Claims
 

A flood is an overwhelming experience. But taking quick action will put policyholders back in control of their home and their life.

Step One

Report the claim:

If your policy has been issued by Lexington Insurance (policy number will begin with a letter) please call-

Worley Claim Services
800-785-2604

You can also report your claim to Worley Claim Services via email to TFIA@worleyco.com.

The email should include the insured's name, policy number, and contact phone number.
 

If your policy has been issued by Lloyd's of London (policy number will begin with a number) please call-

Peninsula Insurance Bureau
877-298-0847
                                              
                                          
Information they will need from you:       

  • Date of Loss
  • Description of Loss
  • Contact information including temporary address for the policyholder if they are not able to stay in their home
  • Phone number where the policyholder can be reached during the evening
  • The policyholder email address

An adjuster will be assigned within 48 hours.  In cases of widespread flooding it may take longer. While you are waiting to be contacted by an adjuster please begin step two below.

Step Two

  • Take photos of the damaged property. Your adjuster will also take photos, but any additional documentation showing the damage will help the adjuster.
     
  • Separate Property, but do not throw anything away. The insurance policy requires the policyholder to separate damaged property from undamaged property. But don’t throw anything away before an adjuster has seen it, unless local law requires you to do so. In that case, take photos of the property before disposing of it and keep samples for the adjuster to see. (For example, cut out a piece of wall-to-wall carpet.)
     
  • Mitigate the damages. Do everything possible to protect undamaged property. You do not want further damage to happen by doing nothing.
     
  • Do not sign anything prior to seeing your adjuster. Prior to signing an agreement/contract with a cleaning, remediation, or maintenance contractor, policyholders should consult with the flood adjuster concerning coverage.

Review FEMA’s Claims Handbook for further information and instruction about the claims process.  Even though the policy is not issued through FEMA, the Private Market Flood Policy coverage is the same as the FEMA policy and is settled the same.
Claims Handbook: http://www.fema.gov/media-library/assets/documents/6659?id=2184
 

Important Tips:

  • If waters rise in the house before you can leave safely, move to the highest level necessary— even the roof. Take extra clothing, a radio, a flashlight and, if possible, food.

  • If time allows, turn off electricity at the breaker or fuse box and close the main gas valve; get valuables (furs, jewelry, important papers) to a higher level; fill bathtubs, sinks and plastic soda bottles with water. (Sanitize tubs and sinks with bleach, rinse and then fill); and bring outdoor possessions (lawn furniture, grills, etc.) inside or tie them down securely.

  • Keep away from downed power lines and any other electrical wires— electrocution is always a major cause of death in floods.

  • If you hear hissing or smell gas, leave immediately and call the gas company. Using a home phone or cell phone inside the house could spark an explosion.

Resource Links:

Prepare, Plan, Stay Informed
http://www.ready.gov/

Replacing important papers:
http://www.fema.gov/news-release/2013/11/05/replacing-your-important-papers

Helping Pets
http://www.fema.gov/helping-pets

Mold, Moisture and the Home
http://www.epa.gov/mold/moldguide.html

How Do I Find A Place to Stay?
http://www.fema.gov/how-do-i-find-place-stay

How Do I Find My Family?
http://www.fema.gov/how-do-i-find-my-family

Disaster Assistance
https://www.disasterassistance.gov/

 


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